Using secured image or photo data for mobile payment applications

ABSTRACT

An image or photo on a smart device is encrypted and transmitted to a PCI compliant server during a negotiation with a client. The encrypted data received is broken in a Public Key and a Private Key on the PCI compliant server. The public key is sent back to the smart device as encrypted data. The public key encrypted data encapsulates the data into a public key portion of the data is transmitted back to the device for inclusion of Personal Sensitive Information data on the smart device, prepares the data for transmission, and transmits the data back to the PCI compliant server via secured web services for decryption. The private key residing on the PCI compliant server decrypts the incoming encrypted personal sensitive information to multiple secured databases located across multiple server farms.

CROSS-REFERENCES IO RELATED APPLICATIONS

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STATEMENT REGARDING FEDERALLY-SPONSORED RESEARCH AND DEVELOPMENT

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REFERENCE TO AN APPENDIX

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BACKGROUND OF THE INVENTION 1. Technical Field

The present disclosure relates to systems and methods for mobile paymentapplications, and more particularly, to encryption of smart device photodata combined with identification numbers in stored in locations for usein financial operations.

2. Background

Payment transactions and other financial operations may be implementedusing a smart phone or other computerized hardware device. The devicemay be used for transactions at a point of sale (POS) over a wirelesscommunications channel. A transaction generally requires protection ofpersonal sensitive information (PSI). A user may set a personalidentification number (PIN) when first configuring the payment mechanismassociated with the device to protect the PSI. While use of a mobilepayment system at the point of sale is generally quite short, thetransaction is delayed when a navigate the mobile payment application.There is a need in the art for a smart device on which a user can totake u picture or select an image from a photo gallery and encrypt thatimage as data tor use in mobile negotiations.

SUMMARY

In certain example embodiments described herein, methods and systemssecure an image or photo from a smart device for use in mobile paymentapplications. Image data is sent to a PCI server that divides andencrypts the data. A public key portion of the data is sent back to thedevice for inclusion of Personal Sensitive Information data from thedevice. A private key portion of personal data remains residing on thePCI server. The smart device includes personal account information andtransmits that data back to the PCI compliant server via secured webservices for decryption by a private key. The private key data decryptsthe incoming PSA data from the smart device. The server then transmitsthe data to a database secured with encrypted login and passwords.

BRIEF DESCRIPTION OF THE SEVERAL VIEWS OF THE DRAWINGS

FIG. 1 is a block diagram 100 depicting steps of a mobile smart deviceimage generation or stored photo retrieval 110, reduction of the data toan encrypted format by the application 120, and transmission of the datato a server 130, in a mobile transaction system in accordance with oneor more of the embodiments herein. The mobile smart device may be amobile phone, smartphone, handheld computer, personal digital assistant(PDA), netbook computer, laptop computer, tablet computer, or similarwired or wireless, processor-driven device.

FIG. 2 is a block diagram 200 depicting steps of the server breakingdown the encrypted data into two components 210, retaining one portionon the server 220 and transmitting the other portion to the smart device230, in a mobile transaction system in accordance with one or more ofthe embodiments herein.

FIG. 3 is a block diagram 300 depicting steps of the smart devicecombining one portion with information 310 and streaming that data tothe server 320, where the retained private key decrypts and distributesthe information to a database 330 in accordance with one or more of theembodiments herein.

In describing the preferred embodiment of the invention which isillustrated in the drawings, specific terminology will be resorted tofor the sake of clarity. However, it is not intended that the inventionbe limited to the specific term so selected and it is to be understoodthat each specific term includes all technical equivalents which operatein a similar manner to accomplish a similar purpose.

DETAILED DESCRIPTION OF THE INVENTION

The invention described herein is a smart device application. Theapplication enables use of the smart device to take an image or retrievea photo from the smart device gallery for use in immediate mobilepayment applications. FIG. 1 is a block diagram displaying the firststeps of using the smart device for taking an image or selecting aphoto. The image or photo data is reduced to an encrypted format by theapplication and is transmitted to a PCI-Compliant server.

FIG. 2 displays the steps of the server dividing the data into twocomponents. A Public Key component is formed and transmitted to thesmart device. A Private Key component is retained on the server.

FIG. 3 depicts the steps of the application on the smart devicecombining Public Key information with the user's Personal SensitiveInformation (PSI) on the smart device. The application performs andundergoes the identification, authentication, payment credentialverification, and storage. That encrypted data is then transmitted backto the server. The Private Key data component residing on the serverdecrypts the incoming data. The server distributes the information tothe appropriate database. Each database is secured with the encryptedlogin and user password. The user can enter the password or login eachof the components can be recovered from their respective databaselocations.

In conclusion, the present invention has assuredly achieved anticipatedeffectiveness, moreover, contents of the present invention have not beenpublicly disclosed prior to this application, and novelty, advancementand industrial practicability of the present invention clearly complywith essential elements as required for a new patent application.Accordingly, a new patent application is proposed herein.

1. A computer-implemented method, comprising: obtaining an image with acomputer device; reducing said image to an encrypted data format;sending said data to a server; separating said data into a public keyand a private key, whereby said public key data is returned to saiddevice, generating a secure shell identification string that comprisessaid encrypted data; transmitting the generated identification string toanother computer system for decryption; and, whereby said private keydecrypts said encrypted identification string exchange; receiving, fromthe other computer system, after an authentication request thatcomprises a digital signature; transmitting to the authenticationservice the digital signature and information usable to a set of secureddatabases located across multiple servers.